Is there a credit check when remortgaging?

Before we recommend a mortgage deal to switch to, we’ll run a soft credit check to determine whether we’ll be able to help you. This won’t leave a footprint on your credit file and won’t impact your credit score in any way.

The lender will run a full credit check before deciding whether or not to lend to you. There’s no avoiding a credit check once your application has been submitted to the lender, as it’s vital for them to see your credit history and details of past payments before agreeing to lend to you.